Overview

• Lenders approved financing for only 46.8% of installment‑loan seekers in August 2025, the lowest rate in the Verivox series.
• The Verivox credit‑availability index fell to 65.7, meaning a larger share of borrowers now receive no proposal than at any point since tracking began.
• Verivox attributes the tougher screening to a weak economic outlook and rising unemployment, which banks say raise default risk.
• Access to consumer loans is now tighter than during the COVID‑19 lockdowns, when approval chances were comparatively higher.
• Applying to multiple banks can boost the odds of at least one offer but may weigh on the Schufa score, and borrowers who did secure loans via comparison paid an average 6.79% interest in August.